welcome to the das workshops
DESCRIPTION
Welcome to the DAS Workshops. September 2012. Welcome. Programme: 10:00 – Purpose & Background 10:20 – Workshops (in groups) 11:30 – Feedback 12:15 – Collate 12:30 – Close. Purpose. Review current provisions of Debt Arrangement Scheme (Scotland) Regulations 2011:- What’s working well - PowerPoint PPT PresentationTRANSCRIPT
Welcome to the
DAS Workshops
September 2012
Welcome
Programme:
• 10:00 – Purpose & Background
• 10:20 – Workshops (in groups)
• 11:30 – Feedback
• 12:15 – Collate
• 12:30 – Close
Purpose
Review current provisions of Debt Arrangement Scheme (Scotland) Regulations 2011:-
• What’s working well
• What’s not working so well
• What do we need to address
• How can we work better together
The Changes
• Widen Money Advice Gateway• DAS Administrator administers
DPPs from free sector money advisers (MAs)
• Update the approval process to become DAS Approved MA
• New central IT system – DASH• Joint DPP for couples• DPPs for single debts• 6-month payment holiday• Change payment distribution
process• Recovers costs to public purse
The Benefits
• Increased transparency through DASH
• Increased choice and availability to debtors
• Regulations to improve payment distribution
• Creditors more involved in the process
DPPs by financial year
Year 2005/06 2006/07 2007/08 2008/09 2009/10 2010/11 2011/12
DPPs 149 134 442 386 1,417 1,910 3,319
Some Numbers
For the Review Period
Applications:• 4689 DPP applications under new Regulations• 4,164 DPP applications approved• 741joint application• 111 applications with single debt• 798 DPP applications approved automatically
Some Numbers
Some Numbers
Variations (includes payment holidays):• 993 applications to vary a DPP
– 974 variations approved
– 21 variations rejected
Fair & Reasonable Tests:
• Approx 4300 applications where F&R carried out
• Approx 2700 applications approved following F&R test
Numbers since new Regulations 1 July 2011 – 30 June 2012
Revocations from in first year:• 629 Revocation Requests • 482 Revocations Accepted• 147 Revocations Rejected
Numbers since new Regulations (1 July 2011)
Average debt
Prior to July 2011: £24,194
July 2011 - June 2012: £18,903
Average DPP duration
Prior to July 2011: 8 years 5 months
July 2011 - June 2012: 6 years 8 months
DAS Approved Money Advisers
• 94 Approved Money Advisers who submitted at least one DPP pre-July 2011.
• Now 105 active Approved Money Adviser organisations • 78% free sector, 22% fee-charging
Free78%
Fee22%
DAS Approved Money Advisers
The split of approved cases since 1 July 2011 is– 41.3% free sector, 58.7% fee-paying
Workshops:
• Look at what AiB can change by- legislative change- DAS Admin procedural change
• Working better together- what improvements to processes can you influence within your own organisation
Workshop Questions
Questions• What’s working well• What’s not working so well• What do we need to address• How can we work better
together
Key Messages from Workshops
What is working well?
Key Messages from Workshops
What is not working so well:
Key Messages from Workshops
What still needs to be addressed:
Key Messages from Workshops
How do we work better together:
Contact Information
DAS team contact details• DAS Helpline 0300 200 2770
• DAS email [email protected]
• New DAS website www.dasscotland.gov.uk
• Help Centre
• Guidance Notes
